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OCBC Wing Hang Bank Limited Terms & Conditions for All Accounts and Related Services

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OCBC Wing Hang Bank Limited Terms & Conditions for All Accounts and Related Services OCBC Wing Hang Bank Limited Terms & Conditions for all Accounts and Related Services Table of Contents 1. Definitions & Interpretation………………………………………………………….…………….…………….…………….……………...… P. 2 2. Scope of Services………………………………………………………………………………………………………. ……………………… P. 3 3. Common Terms & Conditions…………………………………………………………………………………………………………...........… P. 4 Schedule I : Deposit Accounts Services…………………………………………………………………………………………………….…… P. 12 - Current Account (HKD + USD) ………………………………………………………………………………………...………… P. 15 - Savings Account………………………………………………………………………………………………….....…………… P. 16 - Time Deposit Account…………………………………………………………………………………………………….……… P. 17 - Time Deposit Product Specify……………………………………………………………………………………………….…… P. 18 - Renminbi Account………………………………………………………………………………………………………..…....… P. 19 - Personal Renminbi Current Account……………………………….………...………...………...………...………...……...…… P. 22 - Corporate Renminbi Account……………………………………………...………...………...………...………...………...…… P. 24 - Integrated Account…………………………………………………...…...………...………...………...………...…….....…...… P. 27 - Integrated Account/OCBC Wing Hang Premier Banking…...…...…...………...………...………...………...………...…….…..... P. 29 Schedule II : eBanking Services…………..………………………………………………...………...………...………...………...……..…..... P. 30 Schedule III : ATM Card Services……………………………………..……………………...………...………...………...………...…....……. P. 45 Schedule IV : Remittance Services…………………………………………………..………………………..………………………........…… P. 48 Schedule V : Renminbi Cross-border Trade Settlement Services……………...…….………………………..………………………........…… P. 50 Schedule VI : Foreign Law Requirement………………………………………...…….………………………..………………………..........… P. 55 1 The following Terms and Conditions (“these Terms and Conditions”) apply to all accounts opened with OCBC Wing Hang Bank Limited (the “Bank”), including without limitation, any savings, current, time deposit, investment or loan accounts each opened with the Bank, and all relationship and all transactions or dealings (whether or not the transaction or dealing in question relates to any account kept or to be kept by the customer or the prospective customer (collectively “the Customer”). The Customer should read and understand these Terms and Conditions in details prior to using any services or effecting any transactions. The Customer shall be bound by these Terms and Conditions (in addition to any specific terms and conditions applicable to any particular banking service or facility provided by the Bank) upon using any services or effecting any transactions. If there is inconsistency between these Terms and Conditions and the specific terms and conditions for a particular banking service or facility, the specific terms and conditions will prevail. 1. Definitions & Interpretation 1.1 In these Terms & Conditions, unless the context otherwise requires:- “ATM” means an automatic teller machine or other automated cash dispenser installed and operated by the Bank, whether inside and/or outside Hong Kong. “ATM Card” means the card issued by the Bank for access to the use of the ATMs and/or Other Terminals which may be settled by Hong Kong Dollar, Renminbi or other currency designated by the Bank from time to time. “Authorized Person” means the person authorized by the Customer to give instructions (together with specimen and signatures) to the Bank from time to time in such manner as the Bank requires. “Bank Group Company” means any direct or indirect holding company of the Bank, any direct or indirect subsidiary of the Bank or of such holding company, or any of their related company (being a company in which an equity interest is held by any of the foregoing), and shall include each such company’s successors and assigns. “Business Day” means a day (excluding Saturdays, Sundays and public holidays) on which the Bank is open to the general public for normal business in Hong Kong and, without prejudice to the above, in relation to payments or transactions in any currency, a day (excluding Saturdays, Sundays and public holidays) on which banks and relevant financial markets and institutions are open for business in the relevant jurisdiction and on which the Bank is prepared to trade in that currency. "Code" means the Code of Conduct for Persons Licensed by or Registered with the Securities and Futures Commission, as may be amended, varied and replaced from time to time. All the provisions herein that relate to the obligations of the Bank under the Code shall only cover the obligations that are applicable to the Bank in the conduct of its regulated activities (under the Securities and Futures Ordinance). For the avoidance of doubt, the obligations applicable to the Bank under the Code shall not include any Code requirements that the Bank is exempt from under paragraph 15 of the Code. “Consolidated Statement” means a consolidated statement of all accounts including the Primary Account and the Sub-Account(s) that are linked under the Integrated Account or OCBC Wing Hang Premier Banking service. "Corporate Professional Investors" means the "Corporate Professional Investors" as defined in paragraph 15 of the Code, with regard to whom the Bank has complied with paragraphs 15.3A and 15.3B of the Code and who have given consent for the Bank to be exempt from complying with the requirements set out in paragraphs 15.4 and 15.5 of the Code. “eBanking Identification Number” means the identification number supplied by the Bank to the Customer that identifies and enables the Customer to access the eBanking Services. “eBanking Services” means services providing by the Bank at its discretion from time to time via Telematic Banking, Internet Banking, Mobile Banking or other electronic access channels. “Government Authority” means any government, government body, government agency or regulator, in or outside of Hong Kong, including the Inland Revenue Department of Hong Kong and the IRS. “Hong Kong” means the Hong Kong Special Administrative Region of the PRC. “Hong Kong Designated Business means a Hong Kong establishment that has had a business relationship with the Bank for more than 3 years, and that engages in (i) Customer” commercial retail, (ii) catering, (iii) accommodation, (iv) transportation services, (v) communications services, (vi) medical services, (vii) educational services, or (viii) such other business as determined by the Bank from time to time (including such establishment that has had a business relationship with the Bank for less than 3 years but with concrete evidence to show that it has the actual relevant business background) but excluding (i) money changer, establishment engaging in capital and financial transactions such as property agent and stockbroker, (ii) commercial establishment engaging in gambling business, or (iii) such other business as determined by the Bank from time to time. "Institutional Professional Investors" means the "Institutional Professional Investors" as defined in paragraph 15 of the Code. “Integrated Account or OCBC Wing means the account maintained or the service subscribed by the Customer that links the Primary Account and the Sub- Account(s) and Hang Premier Banking service” provides a Consolidated Statement on these accounts in accordance with these Terms and Conditions. “Internet Banking” means a part of eBanking Services offered by the Bank that enables the Customer to access to a range of banking information and other services, as specified and provided by the Bank from time to time, using Internet. “IRS” means the U.S. Internal Revenue Services. 2 “Mobile Banking” means a part of eBanking Services offered by the Bank that enables the Customer (who is an individual) to access to a range of banking information and other services, as specified and provided by the Bank from time to time, using mobile network platform. “Other Terminals” means any other automatic teller machines, automated cash dispensers, devices or terminals (including but not limited to point of sale terminals) installed and operated by such other banks, firms, companies or entities inside and/or outside Hong Kong from time to time announced by the Bank. “PIN” means the Personal Identification Number (issued by the Bank or set by the Customer, as the case may be) for access to any eBanking Services and/or effecting Customer’s instructions in relation to any eBanking Services. “PRC” means the People’s Republic of China (excluding Hong Kong, Macau and Taiwan). “Primary Account” means one or both (where the context permits) of following accounts: a) one single account or one of the Sub-Accounts that is nominated by the Customer for the purpose of debiting service fees and information source under the Integrated Account or OCBC Wing Hang Premier Banking service provided that it must be either a Hong Kong Dollar Savings Account, a Hong Kong Dollar Current Account or a Hong Kong Dollar Statement Account; b) Hong Kong Dollar Savings Account or Hong Kong Dollar Current Account or Hong Kong Dollar Statement Account opened in the name of the Customer and nominated by the Customer in accordance with the Customer’s instructions at the time the Customer applies for the eBanking Services of the Bank. Any references to “account” in these Terms and Conditions include (where the context permits) the Primary Account and the Sub-Account (as defined below). “Renminbi” or RMB” means the lawful currency for the time being of the PRC. “RMB Accounts” means the RMB savings account and RMB time deposit account opened, operated and maintained by the Customer (whether an individual or a Hong Kong Designated Business
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